Cornmarket Car Insurance Scheme - Motor Insurance - Prismic
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Cornmarket Car Insurance Scheme Motor Insurance
Cornmarket Car Insurance Scheme Contents Important: Cover will only apply in respect of those sections which you have selected Page 2 Introduction - Your Policy 3 Definitions 4 Territorial Limits 6 General Policy Conditions Section 1 12 Third Party Insurance 12 Exceptions to section 1 Section 2 14 Loss or damage to your car by fire or theft 14 Excess applicable Section 3 15 Accidental damage to your car 15 Excesses applicable 16 Exceptions to sections 2 and 3 Section 4 18 Standard benefits 21 Policy endorsements 27 General exceptions 30 Claims procedure 30 Claims payment 33 Allianz Claims Notification and Emergency Service 34 Consumer Information
Cornmarket Car Insurance Scheme
Introduction - Your Policy
This document, in conjunction with your Insurance Act 1936 (or future
Statement of Fact or the Proposal Form amendments thereto)
which you have signed, your schedule All monies which become or may
and endorsements form the basis of become payable by the company under
your contract with us and your policy has this policy shall, in accordance with
been set up based on the information Section 93 of the Insurance Act 1936, be
you have provided. payable and paid in the Republic of
Ireland.
We will provide the insurance described
in this policy if: Finance Act 1999 (or future
amendments thereto)
1. The information detailed on your The appropriate stamp duty has been or
Statement of Fact or your Proposal shall be paid in accordance with the
Form is correct and complete, to the provisions of Section 5 of the Stamp
best of your knowledge Duties Consolidation Act 1999.
2. Any person insured has complied The Law Applicable to the Contract
with all terms, conditions, exceptions Under the relevant European and Irish
and general exceptions of this policy legal provisions the parties to the
proposed contract of insurance (we,
Allianz p.l.c. and you, the proposer)
Please refer to the section headed
are free to choose the law applicable to
‘General Policy Conditions’ on page 6 in
the contract.
this policy for additional important
information on this.
We propose that Irish Law applies to
the contract.
Your Policy is made up of the following
documents
1. Your Statement of Fact or your
Proposal Form
2. Your schedule
Signed of behalf of the company
3. This policy document
4. Any endorsement which we may Aidan Hanratty
issue to you Director Underwriting
You should fully read these documents This policy is underwritten by Allianz p.l.c.
and contact us if any information is not Registered Office: Allianz House,
correct, or if you have any queries. Elmpark, Merrion Road, Dublin 4
This policy is a legal document and
should be kept in a safe place.
2Cornmarket Car Insurance Scheme
Definitions
Audio Equipment - means audio, Period of Insurance - The period of this
telephone, navigational, global contract of insurance as specified on
positioning equipment and/or in-car your schedule/renewal notice.
entertainment.
Policy - means the contract of insurance
Car - means any motor vehicle, the based on the statement of fact/proposal
details of which are shown on the form, schedule, policy document and
schedule and/or covered on the any endorsements we may issue.
certificate of motor insurance.
Schedule - means a document which
Certificate of Motor Insurance - means details the cover provided by the policy,
a document that provides evidence that endorsements operative and your
you have motor insurance cover as details. This document forms part of
required by law. your policy.
Endorsement - means an alteration to Spouse/Partner - means husband, wife
the terms, conditions, exceptions and or partner of the Insured who are co-
general exceptions of the policy. An habiting and sharing household
endorsement may be part of the policy expenses or responsibilities.
or we may issue it separately.
Vehicle Write-Off - means where the car
Excess - means the first amount of any is considered to be either a statutory or
loss that you are responsible for in the financial write-off by a suitably qualified
event of making a claim. This amount is assessor.
deducted from the total claim
settlement figure. A statutory write-off means that the car
is no longer fit to return to the road and
Market Value - means the amount you should be either destroyed or rendered
could reasonably expect to pay for your for parts.
car had you bought it immediately prior
to the loss or damage. This will be A financial write-off means that the car
determined by other cars available in the can be repaired to a safe condition but
market of comparative make, model, the cost of repairs renders it
engine capacity, age, mileage, ownership uneconomical to do so.
history, general conditions and any other
relevant factors. We may use an We/Us/Our/the Company - means
independent specialist firm to determine Allianz p.l.c.
the appropriate monetary value.
You/Your - means the person named as
Misrepresentation - means where an the Insured or Policyholder in the
individual fails to disclose information or schedule and certificate of motor
provides false inaccurate, misleading or insurance.
incomplete information.
3Cornmarket Car Insurance Scheme
Territorial Limits
This insurance shall operate in terms of this policy in respect of private cars in the
following countries: Republic of Ireland, Northern Ireland, Great Britain, The Isle of
Man and the Channel Islands.
Your policy is automatically extended to cover you to travel to or in any European
country and any other country which has made arrangements to meet the minimum
insurance requirements set by the European Union, for up to 60 days in any period of
insurance.
The insurance also operates during the course of Sea Transit, Channel Tunnel
Transport or Rail Transport (including loading and unloading).
We will also provide the minimum legal insurance required by law to use the car in
any other country which has made arrangements to meet the minimum insurance
requirements set by the European Union.
Cover
Your schedule shows the cover you have selected
If your cover is: You have the benefit of
Comprehensive The entire policy
Third party, Fire and Theft The entire policy, excluding
Section 3
Third Party The entire policy, excluding
Sections 2 and 3
Person(s) Insured:
1. You
2. Any person permitted to drive as stated in the certificate of motor insurance
except a person in the motor trade driving the car for the purposes necessitated by
its overhaul, upkeep and / or repair for you
3. Any person using (but not driving) your car with your permission for social,
domestic and pleasure purposes
4Cornmarket Car Insurance Scheme
Territorial Limits (Continued)
4. Any passenger travelling in or getting into or out of your car
5. You or your spouse/partner’s employer or business partner if stated in the
certificate of motor insurance provided the car is not owned, leased or hired by
the employer or business partner
6. The legal personal representative of any of the above person(s) (following the
person’s death) but only in respect of the deceased’s liability
5Cornmarket Car Insurance Scheme
General Policy Conditions
Paying Your Premium Duty of Disclosure of Material Facts
We will provide the cover you have A material fact is anything which affects
selected, as shown on your schedule, in this insurance.
return for your annual renewal premium
or any additional premium which Duty of disclosure of a material fact
becomes due. exists at inception and continues
throughout the life of the policy and you
are under a continuing obligation to tell
Premium Paid in Full us immediately about any change which
could affect your policy. You must also
If you decide to pay your annual renewal have asked all the other drivers covered
premium in full, you must ensure that by this insurance any relevant questions
we receive the payment on or before to obtain the information about them
your renewal date. requested by us.
If you are in any doubt as to whether a
Paying Your Premium by Monthly fact is material or not, you should
Direct Debit contact us for clarification.
If you are paying your premium by You must tell us if:
instalments you must keep your
payments up to date. If you fail to do so 1. You change your car
we or Cornmarket Group Financial 2. You buy or take ownership of
Services Limited (Cornmarket) may another car
withdraw this option, request payment
3. The main driver of your car changes
in full or cancel your policy. Refer to
your Direct Debit Guarantee for full 4. You wish to cover an additional driver
terms and conditions. 5. You require cover on a temporary
car, other than as shown in your
In the event of a claim in the current certificate of motor insurance
period of insurance, the full annual Note: You must tell us if you are the
premium becomes due. We reserve owner of the temporary car
the right to deduct any outstanding
6. The car has been modified or altered
premium from any claim payment we
in any way from the manufacturer’s
may make to you or request that you
specification. This would include but
first pay the premium in full before
is not limited to changes to the
any settlement is made in respect of
engine, exhaust, suspension, the
a claim.
addition of body parts/body kit,
wheels and specialised paintwork
6Cornmarket Car Insurance Scheme
General Policy Conditions (Continued)
7. You change your address or where This is not a full list and if you are in any
the car is kept overnight doubt, you should contact us.
8. There is a change of use of the car
When you tell us about the change, it
9. You or any other person insured
may result in a change to the policy
change occupation – full and
conditions and premium.
part time
10. You intend to travel to any country If you or anyone acting on your behalf:
not referred to in the territorial
limits, or if your intended period of • Fails to disclose a fact that is likely to
travel exceeds 60 days
influence Allianz in our assessment
11. You or any other person insured or acceptance of your proposal,
change their type of driving licence renewal or any alteration to
and/or pass their driving test
your policy
12. There is a change in the health of or
the diagnosis of a condition of you • Knowingly makes a false statement
or any other person insured which is to us
notifiable to the National Driver • Knowingly sends us false or
Licence Service (NDLS). We may fraudulent documents
require confirmation that you or any
other person insured is fit to drive • Obtains cover by any
from a General Practitioner or the misrepresentation or misdescription
NDLS
We may take one or more of the
13. You or any other person insured
following actions:
have been involved in a motor
accident or claim
• Declare your policy void from the
14. You or any other person insured has
inception date. In other words, the
any motor prosecution pending,
been convicted of a motor offence policy will be treated as if it never
(other than convictions which are existed
spent under the Criminal Justice • Invoke the cancellation clause of this
(Spent Convictions and Certain policy
Disclosures) Act 2016), been
• Cancel your policy from the date of
disqualified from driving or had fixed
penalty points applied the misrepresentation
15. You or any other person insured has • Not return any premium to you
been convicted of a non-motoring • Apply terms and conditions to your
offence (other than convictions policy or restrict cover
which are spent under the Criminal
Justice (Spent Convictions and • Apply a policy loading or recalculate
Certain Disclosures) Act 2016) or if your premium which will result in an
there is any prosecution pending additional premium due to us
7Cornmarket Car Insurance Scheme
General Policy Conditions (Continued)
• Delete a driver or a car which was the • Cancel the policy from the date on
subject of the misrepresentation which the fraud was identified
• Refuse to pay a claim • Cancel the policy with immediate
• Recover from you the total amount of effect
any claim already paid under that • Not return any premium to you
policy including any recovery costs • Recover from you the total amount of
• Inform the appropriate law any claim already paid under that
enforcement authorities of the policy including any recovery costs
circumstances • Inform the appropriate law
enforcement authorities of the
This is in addition to any other rights we circumstances
have, as outlined in the policy.
If we take any of the above actions you
will also lose all rights to pursue the
Claims Fraud claim.
If you or any other person insured:
Driving Licences
• Make a claim which is in any way
false, inflated, exaggerated, or The conditions of a driving licence must
fraudulent be obeyed by you or any other person
• Support a claim with false or insured. This includes conditions in
fraudulent documentation relation to the class of vehicle licenced
to drive, the requirement to be
• Provide a fraudulent verbal or written accompanied by a qualified driver (if you
statement or any other person insured hold a
• Mispresent or deliberately fail to learner permit/provisional licence), and
disclose relevant information any other condition or restriction that
may apply.
We may take one or more of the
If you or any other person insured fail to
following actions:
obey the conditions of your driving
licence, we may:
• Declare the policy void from the
inception date. In other words, the
• Declare your policy void from the
policy will be treated as if it never
inception date. In other words, the
existed
policy will be treated as if it never
• Invoke the cancellation clause of existed
this policy
8Cornmarket Car Insurance Scheme
General Policy Conditions (Continued)
• Invoke the cancellation clause of Deferment Clause - Motoring Offences
this policy
If you or any other person insured are
• Apply terms and conditions to your
convicted of a motoring offence prior to
policy or restrict cover the renewal of your policy, it may not
• Delete a driver who has failed to obey have been reflected when calculating
the conditions of their driving licence the renewal terms and premium. If this
from the inception date. In other happens, we may choose to treat the
words, no cover will have been offence as if it happened during the
provided for that driver period of insurance which is shown on
the renewal schedule.
• Refuse to pay a claim
• Recover from you the total amount of
any claim already paid under the Deferment Clause - Claims
policy including any recovery costs,
where it comes to light the driver at If a claim is made prior to the renewal of
the time of the incident, did not obey your policy, this may not be reflected in
the conditions of their driving licence our offer for you to renew cover. If this
happens, you can ask us to change our
offer of renewal, or wait until the
Other Insurance following renewal date for that claim to
be taken into account.
If any loss or damage is covered by any
other insurance, we will not pay more
than our share of the claim. This does Looking After Your Car
not override the references to other
insurances (Exceptions to Section 1). You must take all reasonable care to:
1. Safeguard your car from loss or
Rights of Recovery damage and prevent injuries
2. Maintain your car in a roadworthy
If the law requires us to pay a claim condition, make sure that lights,
which would not otherwise be covered mirrors and braking systems are
by your policy, we reserve the right to working correctly and, where
recover the amount from you or the necessary, make sure that the car
person on whose behalf we make the has a valid National Car Test (NCT)
payment. certificate
3. Fit tyres appropriate to the car, and
make sure that tread depths comply
to the legal limit
9Cornmarket Car Insurance Scheme
General Policy Conditions (Continued)
4. Make sure you do not leave your policy and we are entitled to keep the
ignition keys or any device of similar premium.
function in the car while unattended
or leave your car unlocked Regardless of which party cancels the
5. Make sure that the car is not policy, if there has been a claim during
accessible to any driver who is not the period of insurance we will return
insured to drive the car or who does no premium.
not hold a valid driving licence or If we or Cornmarket has agreed to
having held such a licence is not accept payment of premium for this
disqualified from holding one policy by monthly direct debit payments
then in the event of non-payment of any
monthly payment on its due date, then
If you do not do so, we reserve the right
we or Cornmarket can cancel this policy.
not to pay a claim or if, by law, we are
We or Cornmarket will do this by giving
obliged to meet a claim then we reserve
written notice to your last known postal
the right to seek recovery of the
address and following expiry of this
payment from you.
notice, the policy will be automatically
cancelled. We or Cornmarket will be
The company must have free access to
entitled to payment of the premium due
examine the car at all times.
for the period of insurance and if there
is a claim during the current period of
insurance we or Cornmarket will be
Cancelling Your Policy
entitled to the full premium.
You may cancel the policy at any time by
written notice to us or Cornmarket and
Suspending Your Policy
you must return the certificate of motor
insurance and insurance disc. Your
You may suspend your cover, by
policy will only be cancelled on receipt
returning the certificate of motor
of these documents.
insurance and Insurance Disc to us or
Cornmarket together with written
We may cancel the policy at any time by
confirmation that you wish to do so.
issuing a written notice to you at your
last known address.
We will allow a refund of 80% of the
premium for the period the policy is
If there has been no claim or incident
suspended provided:
that may result in a claim during the
current period of insurance, we will
1. Your policy is suspended for a
refund part of your premium for any
minimum of 28 consecutive days
remaining period of insurance unless
the reason for cancellation is as detailed 2. You did not make a claim during the
in the General Policy Conditions of this current period of insurance
10Cornmarket Car Insurance Scheme
General Policy Conditions (Continued)
3. Your policy is not suspended as a decision of the Umpire and the making
result of an accident or loss of an award shall be a condition
4. Your policy is not issued or renewed precedent to any right of action against
for less than 12 months us. Claims not referred to the Arbitrator
within twelve calendar months from the
date on which we have refused to
If you pay your premium by monthly
provide cover shall be deemed to have
direct debit you must continue your
been abandoned.
payments during any period of
suspension.
You may not take legal action against us
over the dispute before the Arbitrator
has reached a decision.
Arbitration
This does not affect your right to refer
All differences arising out of this policy
any claim to the office of the Financial
shall be referred to the decision of an
Services Ombudsman.
Arbitrator, or if the parties cannot agree
upon a single Arbitrator, to the decision
of two Arbitrators, one to be appointed
Preferred Customer Discount
by each of the parties within one month
Based on statistical analysis of your risk
after having been requested. The
information, you may be entitled to a
Arbitrators shall appoint an Umpire who
Preferred Customer Discount. Changes
will sit with the Arbitrator at their
to your risk information may affect your
meeting and in case of disagreement,
entitlement to this discount.
the Arbitrators shall submit to the
11Cornmarket Car Insurance Scheme
Section 1
Third Party Insurance 1. Solicitor’s fees for representation at a
coroner’s inquest or fatal injury or in
We will pay if you or any other person a Court of Summary Jurisdiction
insured becomes legally liable for 2. The cost of defence against a charge
damages in respect of: of manslaughter or causing death or
serious bodily injury by dangerous
• death or bodily injury or disease to driving
any person 3. Other costs and expenses which are
• damage to property legally recoverable
arising from the use of:
Emergency Treatment
• your car as specified in the current
certificate of motor insurance We will pay for emergency treatment
charges as required by road traffic
• a trailer or caravan whilst coupled to
legislation. A payment made for
your car as specified in the current emergency treatments will not affect
certificate of motor insurance, but your No Claim Bonus.
excluding any mobile home or
permanently sited temporary
dwelling Exceptions to Section 1
The maximum we will pay for property Other than what is necessary to meet
damage will be limited to €30 million in the requirements of the road traffic
respect of any claim or number of claims legislation, the company shall not be
arising out of any one accident and/or liable for:
incident.
1. Damage to property belonging to, or
held in trust by, or in the custody or
Costs and Expenses control of the Person(s) Insured
2. Damage to property stored in or
We will pay for reasonable costs and being conveyed by the car
expenses recoverable by any claimant in
3. Damage to any car being driven or
respect of any claim for which indemnity
used by the person(s) insured
is provided by this section.
4. Damage or injury caused by any
Subject to prior written agreement by person who is insured to drive your
us, we will pay for: car under another motor insurance
policy
12Cornmarket Car Insurance Scheme
Section 1 (Continued)
5. Death or bodily injury to any person
arising out of or in the course of
their employment
6. Death or bodily injury to anyone who
is driving, or is in charge for the
purpose of driving the car
Also see General Exceptions applicable
to this policy on page 27.
Rights of Recovery
If any law requires us to pay a claim
which would not otherwise be covered
by your policy, we reserve the right to
recover the amount from you or the
person on whose behalf we made the
payment.
13Cornmarket Car Insurance Scheme
Section 2
Loss or damage to your car by fire In the event of a claim for the theft of a
or theft car, we will request all the keys or any
device of similar function of the car from
We will pay for loss of or damage to the registered owner. Failure to provide
your car and its accessories or spare the keys may have an impact on any
parts caused by fire, lightning, explosion, claim you make under this section of
theft or attempted theft. the policy
The maximum amount we will pay in
respect of any claim for loss or Excess Applicable
accidental damage will be the market
value immediately prior to such loss or You will be responsible for the amount
damage. of the excess stated in the schedule
whether or not you are at fault for the
We will pay for the cost of replacing loss or damage.
accessories, spare parts or audio
equipment which form part of the
manufacturer’s specification for your Customs Duty
car. Where accessories, spare parts or
audio equipment do not form part of If your car is lost or damaged within the
the manufacturer’s specification, we territorial limits and you are charged
will only pay for the cost of replacing customs duty, we will also refund the
these items if you have notified the customs duty if we cover the loss or
change to us and we have agreed to damage to your car.
provide cover.
Your car must be missing for 14 days
after we have been notified before we
will consider it lost by theft.
14Cornmarket Car Insurance Scheme
Section 3
Accidental damage to your car Excess applicable
We will pay for loss of or accidental You will be responsible for the amount
damage to the insured car (including of the excess stated in the schedule
panoramic roof glass) and its accessories whether or not you are at fault for the
and spare parts while in or on the car loss or damage. This amount is
other than loss or damage described in increased by €125 where you hold a
Section 2. Learner Permit/Provisional Licence
The maximum amount we will pay in
Customs Duty
respect of any claim for loss or accidental
damage will be the market value
If your car is lost or damaged within the
immediately prior to such loss or damage.
territorial limits and you are charged
customs duty, we will also refund the
Where accessories, spare parts or audio
customs duty if we cover the loss or
equipment are other than as provided
damage to your car.
for in the manufacturer’s specification for
your car, we will only pay for the cost of
replacing manufacturer’s standard items
unless you have notified the change to
us and we have agreed to provide cover.
Additional driver excess amounts
In addition to the amount of the excess stated in the schedule, you will be responsible
for an additional excess, outlined in the table below, for each and every claim under
this Section whether or not you are at fault for the loss or damage.
Age of Additional Driver Licence Type Additional Excess
applicable
17 to 24 Full Licence/ Learner Permit/ €200
Provisional Licence
aged 25 and over Full Licence/Provisional €125
Licence for a period of less
than 12 months
Exception: If loss or damage results from an incident involving an uninsured third party
driver and the circumstances are such that we decide that the driver or person in charge
of the insured car was not at fault, then an excess will not apply to your claim. However, if
we cannot establish this before paying the claim, the excess will apply. If we subsequently
confirm that an uninsured third party driver was involved, we will reimburse the excess.
15Cornmarket Car Insurance Scheme
Exceptions to Sections 2 and 3
We will not pay for: 11. Loss or accidental damage arising
from:
1. Losses you sustain through not a. theft or any attempted theft
being able to use your car whilst the ignition keys or any
2. The cost of hiring another car device of similar function have
3. Depreciation been left in or on your car
4. Wear and tear b. loss or accidental damage arising
from theft or any attempted
5. Repairs or replacements which
theft whilst the car is not locked
improve your car beyond its
condition before loss or damage 12. Theft and /or unauthorised taking of
the insured car by any member of
6. Mechanical, electrical or electronic
the Insured’s family unless such
breakdowns, failures or
theft has been reported to An Garda
malfunctions
Síochána/Police and they have
7. Damage to tyres caused by applying indicated there is a prosecution
the brakes, road punctures, cuts or pending
bursts
13. Any modifications unless they form
8. Loss of or accidental damage to part of the manufacturer’s standard
accessories or spare parts which are specification or are optional extras
mobile, portable or removable items that we have agreed to cover
of equipment while the car is
14. Broken glass in the windscreen,
unattended unless the items have
windows or sunroof of your car, or
been placed in the locked boot or
any scratching of bodywork
closed compartment of the car and
resulting directly from such
the car is locked. This exclusion does
breakage where such damage is the
not apply in respect of child seat(s).
only damage caused
The maximum we will pay in
respect of loss or accidental damage 15. We will not pay for loss or
to a child seat(s) is €500 for any one accidental damage arising out of an
occurrence accident if you or any other person
insured has been convicted or has a
9. Loss or accidental damage resulting
pending conviction for breath, blood
from any use of your car not
or urine alcohol / drug levels above
permitted by the current certificate
the legal limit in the road traffic
of motor insurance or by any
legislation whilst driving or in the
uninsured driver
custody or control of your car
10. Loss or damage as a result of the car
being filled with incorrect fuel type /
lubricant.
16Cornmarket Car Insurance Scheme
Exceptions to Sections 2 and 3 (Continued)
16. We will not pay for:
a. The cost of importing parts or
accessories from outside the
European Union
b. The additional cost of parts or
accessories over and above the
price indicated in the most
recent manufacturer’s European
list price where such parts or
accessories are unobtainable or
are out of stock
c. Any additional cost over and
above the repair costs incurred in
the Republic of Ireland
Also see General Exceptions applicable
to this policy on page 27.
17Cornmarket Car Insurance Scheme
Section 4
Standard Benefits options which are defined within the
endorsements section of this policy.
1. No Claim Bonus
Note: If your NCB has been reduced as a
Every year you earn a No Claim Bonus result of a claim which is subsequently
(NCB) you will receive a discount off settled at nil, we will reinstate your bonus
your annual insurance premium (subject and refund the difference in premium.
to our maximum).
The table below shows how your NCB
If an incident occurs during the period of would change at renewal and what
insurance which results in a claim, your effect a claim would have if you have not
NCB will reduce, unless you have availed availed of our No Claim Bonus Protection
of one of our No Claim Bonus Protection option:
Years NCB at next renewal if a claim is made in the
Years of current period of insurance:
NCB at
your last
renewal If one claim is made If one claim is made of
date up to €10,000 €10,001 or greater
1 Nil Nil
2 Nil Nil
3 Nil Nil
4 1 Nil
5 or more 2 1
Any claim payment for windscreen, theft or fire damage will be paid without impact
on your No Claim Bonus entitlement.
In the event a claim(s) is made under your policy Allianz reserve the right to increase
premiums or change your terms and conditions.
18Cornmarket Car Insurance Scheme
Section 4 (Continued)
2. Temporary Substitutions driver or passengers from the car using
cutting equipment.
Sections 1, 2 and 3 of this policy are
operative in respect of: We will not pay any costs associated with
road closure, traffic management or any
type of clean up of the accident scene or
Any private car (excluding cars used for
restitution to property. The maximum
Hire or Reward) up to 2000cc loaned to we will pay is €1,000.
the Insured for up to seven days by a
garage, motor engineer or vehicle
repairer while the car described on your 5. Replacement Locks, Car Keys, Key
policy schedule is being serviced or Cards and Lock Transmitters
repaired or having an NCT.
We will pay up to a maximum of €750
towards the cost of replacing and or
3. Car Sharing recoding of locks, keys or similar devices
for your car if they are stolen:
When your car is being used for social,
domestic or pleasure purposes to carry 1. From your permanent or temporary
passengers and you receive contributions residence as a result of forcible
for this, we will not consider it to be using entry or exit.
your car for hire or reward provided: 2. Arising out of an assault or threat of
violence on any authorised key
a. the car is not constructed or holder.
adapted to carry more than eight
passengers (excluding the driver)
We will not pay:
b. the passengers are not being carried
for hire or reward purposes 1. If keys are stolen by deception
c. the total payments you receive for a or fraud
journey do not involve an element 2. If stolen by a member of your family
of profit or visitor
3. If your temporary residence is a
hotel or guesthouse and the loss is
4. Fire Brigade Charges
not reported to the manager or
owner
Provided the fire gives rise to a valid
claim under your policy, we will pay for 4. Any loss where the theft is not
charges made by a Fire Authority under reported to An Garda
the Fire Services Act 1981 to control or Síochána/Police
put out a fire in your car or remove the
19Cornmarket Car Insurance Scheme
Section 4 (Continued)
5. The additional cost of importing
any part from outside of the
European Union
6. Any loss where the keys are
recovered before locks or similar
devices are replaced or re-coded
A claim under Benefits 5 and 6 will be
paid without deduction of excess or
impacting on your No Claim Bonus.
20Cornmarket Car Insurance Scheme
Policy Endorsements
The following endorsements apply ONLY 1. The car does not belong to you,
if the endorsement number is shown in your spouse/partner or your
the schedule and are otherwise subject employer
to the terms, conditions, exceptions and 2. The car is not hired or leased to
general exceptions of your policy. either of the parties described above
under a hire purchase or leasing
agreement
Endorsement No 3 – Windscreen Cover
3. The car is not the property of or in
the custody or control of a motor
Paragraph No 14 of Exceptions to
trade business of which you are a
Sections 2 and 3 is deleted. We will pay
director, member or employee
for repair or replacement of glass in the
windscreen, windows and sunroof of 4. The car is a private passenger
your car (except panoramic roof glass) vehicle. Cover does not extend to:
including any scratching of the bodywork • Vans or car-vans
directly resulting from such breakage. • Commercial vehicles (e.g. vans
Where the claim is processed through or jeeps with no seats in the back
our Aligned Windscreen Repair network or vans adapted to carry
no limit applies. passengers except in the case of
vehicles professionally modified
Where the claim is not processed for drivers or passengers with
through our Aligned Windscreen Repair a disability)
network, the amount we will pay is • Cars registered outside the
limited to €300. Republic of Ireland, Northern
Ireland, Great Britain, the Isle of
A claim payment under this Section of Man and the Channel Islands
the policy will be without application of • Cars with a capacity of more
excess or impact on your NCB and will be than seven passengers including
without regard to the age of the person in the driver
charge of your car at the time of damage. • Cars with engine capacity of
more than 3500cc
We reserve the right to increase premiums • Cars with a value of more than
or change the terms and conditions of €50,000
your policy or withdraw this benefit in the 5. The car has a valid NCT certificate
event of a poor claims experience. and is compliant with road traffic
legislation
6. You have the owners permission to
Endorsement No 4A – Driving Other drive the car and you have not been
Cars – Comprehensive Cover and will not be using it for more
than 30 days
We will provide cover as outlined in
7. Your car has not been sold or
Sections 1, 2 and 3 whilst you are driving
disposed of
another private car, provided:
21Cornmarket Car Insurance Scheme
Policy Endorsements (Continued)
8. Your car has not been declared a under a hire purchase or leasing
vehicle write-off agreement
9. You are not insured to drive the car 3. The car is not the property of or in
under a separate policy of motor the custody or control of a motor
insurance trade business of which you are a
director, member or employee
Cover under this endorsement is limited 4. The car is a private passenger
to use within Ireland and the United vehicle. Cover does not extend to:
Kingdom only. • Vans or car-vans
• Commercial vehicles (e.g. vans
If you fail to adhere to the provisions 1 to or jeeps with no seats in the back
9 listed above, we may: or vans adapted to carry
passengers except in the case of
• Remove this benefit from your vehicles professionally modified
policy for drivers or passengers with
• Invoke the cancellation clause of a disability)
this policy • Cars registered outside the
• Not return any premium to you Republic of Ireland, Northern
Ireland, Great Britain, the Isle of
• Apply a policy loading or recalculate
Man and the Channel Islands
your premium which will result in
• Cars with a capacity of more
an additional premium due to us
than seven passengers including
• Recover from you the total amount the driver
of any claim already paid under the
5. The car has a valid NCT certificate
policy including any recovery costs,
and is compliant with road traffic
arising out an incident where cover
legislation
had been provided under this
endorsement 6. You have the owners’ permission to
drive the car and you have not been
and will not be using it for more
than 30 days
Endorsement No 4B – Driving Other
7. Your car has not been sold or
Cars – Third Party Cover
disposed of
We will provide cover as outlined in 8. Your car has not been declared a
Section 1 whilst you are driving another vehicle write-off
private car, provided: 9. You are not insured to drive the car
under a separate policy of motor
1. The car does not belong to you, insurance
your spouse/partner or your Cover under this endorsement is limited
employer to use within Ireland and the United
2. The car is not hired or leased to Kingdom only.
either of the parties described above
22Cornmarket Car Insurance Scheme
Policy Endorsements (Continued)
If you fail to adhere to the provisions 1 to policy including any recovery costs,
9 listed above, we may: arising out an incident where cover
had been provided under this
• Remove this benefit from endorsement
your policy
• Invoke the cancellation clause of
this policy Endorsement No 5 – Protected No
• Not return any premium to you Claim Bonus
• Apply a policy loading or recalculate
your premium which will result in In any consecutive three-year renewal
an additional premium due to us period, where you make a Third Party or
Accidental Damage claim, your NCB will
• Recover from you the total amount
of any claim already paid under the be affected as follows:-
Years NCB at next renewal if a claim is made in the
current period of insurance:
Years of
NCB at
your last If it is the only
If it is the second If it is the third
renewal If no claim claim
claim in the claim in the
date is made in the
last three years last three years
last three years
Nil 1 1 Nil Nil
1 2 2 Nil Nil
2 3 3 Nil Nil
3 4 4 1 Nil
4 5 5 2 Nil
5 or more 5 5 3 Nil
23Cornmarket Car Insurance Scheme
Policy Endorsements (Continued)
Any claim payment for Windscreen purchase agreement but
Breakage, Theft or Fire Damage will be excluding any car which is the
paid without impact on your No Claim subject of a leasing agreement or
Bonus entitlement. contract hire agreement
ii. the agreement of any interested
In the event a claim(s) is made under hire purchase company to the
your policy, Allianz reserve the right to extent of their legal entitlement.
increase premiums or change your iii. Has not travelled more than
terms and conditions. 24,000 kilometres.
Although you can protect your No Claim
Endorsement No 6B – Motor Tax
Bonus, your premium may still increase
if a claim is made under your policy.
We will pay the amount of the un-
expired portion of the Motor Tax if you
are unable to recover a refund from the
Endorsement No 6A – New Car Licensing Authority following a vehicle
Replacement write-off (which is insured under your
policy) of your car.
We will replace your car with a new one
of the same specification (subject to
availability) if, within twelve months of Endorsement No 6C – Personal
its purchase as new, it is: Accident Benefits – Driver and
Occupants of the Car
a. Accidentally damaged within the
meaning of your policy cover to an Where the driver or any other occupant
extent greater than 60% of the of the car suffers injury by accidental
manufacturer’s last published list external violent and visible means while
price (inclusive of Value Added Tax) traveling in your car, we will, at your
b. Lost by theft and not recovered request, pay to the injured person or
within 14 days of the loss being their legal personal representatives the
reported to us subject to: benefits specified provided such injury
i. the car being owned by you or shall, independently of any other cause
being purchased under a hire and within three months, result in:
24Cornmarket Car Insurance Scheme
Policy Endorsements (Continued)
Item No. Benefits
1. Death €12,700
2. Complete and permanent loss of sight of one or €12,700
both eyes
3. Loss by severance of one or more limbs at or above €12,700
the wrist or ankle
4. Permanent total disablement €12,700
5. Temporary total disablement (payable for 50 weeks €55 per week
after excluding the first 14 days)
6. Medical, surgical and hospital fees (payable for up €127 per week
to 10 weeks) and cost of medical appliances
necessarily incurred
Permanent Total Disablement Endorsement No 6D – Medical, Surgical
and Hospital Fees
Means permanent inability to perform or
attend to any business, profession or Where the driver or any other occupant
occupation. of the car suffers injury by accidental
external violent and visible means while
traveling in your car, we will, at your
Temporary Total Disablement request, pay to the injured person or
their legal personal representatives
Means temporary inability to perform medical, surgical and hospital fees up
any part of usual business or occupation. to €127, payable for up to 10 weeks,
provided such injury is independent
Where an injured person has no
of any other cause and occurs within
remunerative occupation, business or three months.
profession, has retired, is a student or is
unemployed, this benefit shall only be Medical, surgical and hospital fees
paid for the period the person was means in-patient care for a period of
detained in hospital and otherwise at the more than seven consecutive days in an
discretion of the company having institution which has facilities for
regard to the medical evidence diagnosis, treatment and major surgery
produced. and has accommodation for persons as
in-patients. It does not include a long
term nursing unit, a geriatric or
pre-convalescent ward or an extended
25Cornmarket Car Insurance Scheme
Policy Endorsements (Continued)
care facility for convalescence, driver if the car is being used for hire
rehabilitation or other similar function. and reward purposes.
Cover under 6C and 6D above applies
provided that: Endorsement No 6E – Personal Effects
and Clothing
1. In respect of items 1 to 4 in the
above table, the total amount We will pay you (or at your request, the
payable shall not exceed €12,700. owner of the property) for loss of or
2. No benefit will be paid until the damage to personal effects and clothing
total amount has been ascertained while in or on your car by fire or theft (or
and agreed. However payment on attempted theft) or by accidental means
account may be made for provided that:
temporary total disablement after a
period of eight weeks has elapsed. 1. Our total liability shall be limited to
3. No benefit will be paid to the driver €200 in respect of any one
of the car arising out of an accident occurrence.
where he/she: 2. Payment to any person other than
a. was convicted, or a prosecution you shall be paid directly to that
is pending, under any road person who will observe, fulfill and
traffic legislation relating to the be subject to the terms, conditions,
level, concentration or quantity exceptions and general exceptions
of alcohol or drugs in their body of your policy in so far as they can
apply.
b. following a post mortem
examination is found to have a 3. Your car is not being used for hire
higher level, concentration or and reward purposes at the time of
quantity of alcohol or drugs in the loss or damage.
their body than is permitted by
the road traffic legislation of the We will not pay for:
territory where the accident
occurred 1. Loss of or damage to money,
c. is not permitted to drive as stamps, tickets, documents or
defined in the current certificate securities.
of motor insurance. 2. Loss of or damage to goods or
4. Detailed accounts, receipts and samples carried in connection with
other adequate documentation any trade or business.
must be given to us in respect of 3. Loss of any property or audio
any claim for reimbursement under equipment unless at the time of
6D above. the loss such property was stored in
the locked boot or closed
No cover is available under 6C and 6D compartment.
above to any occupant(s) other than the
26Cornmarket Car Insurance Scheme
General Exceptions
Applicable to all Sections of the policy b. The radioactive, toxic, explosive
or other hazardous properties of
This policy does not cover, except so far any explosive nuclear assembly
as is necessary to meet the requirement or of its nuclear component.
of the road traffic legislation:
4. Any injury, loss or damage caused
1. Any injury, loss or damage by:
occurring while your car is being:
a. Earthquake.
a. Driven by any person or used for b. Riot or civil commotion, or in
any purpose not allowed by the connection with any action
certificate of motor insurance taken in controlling, preventing,
other than cover for loss or suppressing or in any way
damage to your car and relating to riot and civil
accessories or spare parts while commotion.
in or on the car arising from
“Theft” as described in Section 2 5. Loss of or accidental damage to
your car, and its accessories or
b. Driven by you, unless you hold a
spare parts while in or on the car,
licence to drive the car
occasioned by pressure waves
c. Driven with your general caused by aircraft travelling at sonic
consent by any person who does or supersonic speeds, or items
not hold a licence to drive the car dropped from them.
Exceptions (b) and (c) do not apply if the 6. Any accident, injury, loss, damage
person has previously held, and is not or liability when any car covered
disqualified from, holding or obtaining by your policy is in an area of an
such a licence. aerodrome, airport, airfield or
military establishment that is
2. Liability accepted under an used for:
agreement, unless the liability
would have existed even without a. Take off or landing of aircraft or
the agreement movement of aircraft on the
ground.
3. Injury, loss or damage arising from:
b. Aircraft parking, including the
associated services roads,
a. Ionising, radiations, or
refuelling areas, ground
contamination by radioactivity
equipment parking areas,
from any irradiated nuclear fuel
hangers and maintenance areas.
or from any nuclear waste from
the combustion of nuclear fuel.
27Cornmarket Car Insurance Scheme
General Exceptions (Continued)
7. Notwithstanding any provision to resulting from or in connection with any
the contrary within this insurance, action taken in controlling, preventing,
or any endorsement thereto, it is suppressing or in any way relating to (a)
agreed that this insurance excludes and/or (b) above.
liability, loss, damage, cost or
expense of whatsoever nature If the company alleges that, by reason of
directly or indirectly caused by, this general exception, any liability, loss,
resulting from or in connection with damage, cost or expense is not covered
any of the following, regardless of by this policy the burden of proving the
any other cause or event contrary shall be upon the Insured.
contributing concurrently or in any
other sequence to the loss: In the event that any portion of this
general exception is found to be invalid
a. War, invasion, acts of foreign or unenforceable, the remainder shall
enemies, hostilities or warlike remain in full force and effect.
operations (whether war be
declared or not), civil war, 8. This policy excludes liability, loss,
rebellion, revolution, damage, cost or expense of
insurrection, civil commotion whatsoever nature directly or
assuming the proportions of or indirectly caused by, resulting from
amounting to an uprising, or in connection with:
military or usurped power. a. the loss of, alteration of or
b. Any act of terrorism. damage to
or
b. a reduction in the functionality,
Act of Terrorism availability or operation of :
Means an act, including but not limited
to, the use of force or violence and / or a computer system, hardware,
the threat thereof, of any person or program, software, data,
group(s) of persons, whether acting information repository, microchip,
alone or on behalf of or in connection integrated circuit or similar device
with any organisation(s) or in computer or non-computer
government(s), committed for political, equipment that results from
religious, ideological or other purposes malicious or negligent transfer
including the intention to influence any (electronic or otherwise) of a
government and / or to put the public, computer program that contains
or any section of the public, in fear. any malicious or damaging code
including but not limited to
This policy also excludes liability, loss, computer virus, logic bomb or
damage, cost or expense of whatsoever trojan horse.
nature directly or indirectly caused by,
28Cornmarket Car Insurance Scheme
General Exceptions (Continued)
9. Any injury, loss, damage or liability
caused by pollution or
contamination unless the pollution
or contamination is caused by a
sudden identifiable unintended and
unexpected incident which occurs
in its entirety at a specific time and
place during the period of
insurance. All pollution or
contamination which arises out of
one incident shall be deemed to
have occurred at the time such
incident takes place.
29Cornmarket Car Insurance Scheme
Claims Procedure
You must report to us immediately any fatal inquiry, writ or summons
accident, injury, loss or damage which unanswered.
may give rise to a claim under this policy. 5. Send us, as soon as possible, any
writ or summons, letter or other
All incidents must be reported to our documents you may receive.
Emergency Services phone number:
6. The registration and insurance
details of your car should be
Republic of Ireland: 01 613 3990
provided to any other party involved
and also An Garda Síochána/Police,
Northern Ireland or United Kingdom:
if requested.
028 90 891 310
7. If any person is injured, the accident
What to do in the event of an accident must be reported to An Garda
In the event of an accident you should Síochána/Police , whether they
obtain the following information: attend the scene of not.
1. The names, contact details and If you do not do so, we reserve the right
vehicle details of all parties involved. not to pay a claim. We are entitled, at
any stage during any claim, to take over
2. The insurance details including the
and conduct the defence or settlement
policy number of all parties
of the claim, and, at our discretion, to
involved.
pursue the claim for our own benefit in
3. Details of any witnesses to the the name of any person insured.
incident or members of An Garda
Síochána/Police that attended the Important Note
scene of the accident. If you are involved in an accident with an
uninsured driver or a visiting motorist
You must also: from outside the country, report the
accident to the Motor Insurers Bureau of
1. Not admit responsibility, sign any Ireland, 5 Harbourmaster Place, IFSC,
statement or negotiate the Dublin 1, D01 E7E8. Telephone number:
settlement of any claim, without +353 1 676 9944 email: info@mibi.ie.
the written agreement of Allianz. website: www.mibi.ie
2. Complete any form(s) we may
send you.
3. Give us all information and
assistance required.
4. Notify us immediately of any
impending prosecution, inquest or
30Cornmarket Car Insurance Scheme
Claims Payment
Payment(s) we will make under not cover any costs for storing your car
Sections 2 and 3 for more than three days.
Sections 2 & 3; What does "pay” mean? The repairer may require you to pay the
excess before your car is released. If you
The word “pay” means that we may, at are registered for Value Added Tax you
our option, make either a payment in will be required to pay the Value Added
cash or via Electronic Fund Transfer Tax amount to the repairer.
where applicable of the amount of loss
or damage, or may repair, reinstate or Any storage incurred over three days
replace the car. If we know that your car where you have decided not to use the
is the subject of a hire purchase or Allianz Aligned Repairer is not covered
leasing agreement, any payment will be under this policy.
made to the owner to the extent of their
legal entitlement.
Rights of Recovery
In the event that your car is deemed to
be a vehicle write-off, we will not pay If the law requires us to pay a claim
more than the market value of your car which would not otherwise be covered
immediately prior to the loss or damage. by your policy, we reserve the right to
recover the amount from you or the
If we settle a claim as a vehicle write-off, person on whose behalf we make the
we reserve the right to own the salvage. payment.
Repairs, Collections and Delivery Getting Your Car Repaired
You may authorise repairs to a If your car suffers damage which is
maximum of €650 provided an estimate covered by your policy, we recommend
is sent to us immediately. that you take it to one of our Aligned
Repairers, or that you arrange for its
If your car is immobile as a result of an collection by one of them. Our Aligned
accident, fire or attempted theft we will Repairers are authorised to take
pay the reasonable cost of removal to immediate steps to arrange repairs.
the nearest repairer.
Every effort will be made to supply you
We will also cover the reasonable cost of with a courtesy car but this is not
storing or protecting your car. Where guaranteed. The hire of a courtesy car is
your car is stored in any location other up to a maximum of five days where
than an Allianz Aligned Repairer, we will your car has been involved in an
31Cornmarket Car Insurance Scheme
Claims payment (Continued)
accident or fire and 14 days if the car has
been stolen and remains uncovered. The
courtesy car is a Class A car and it not a
like for like replacement.
If you do not use an aligned repairer, you
should arrange for an estimate of repair
costs to be sent to us by your selected
repairer. You may authorise repairs
provided the estimate does not exceed
€650.
32Cornmarket Car Insurance Scheme
Allianz Claims Notification and
Emergency Service
Allianz Claims Notification and • If your car is stolen, we will supply
Emergency Service is available free of you with a replacement car* (Class
charge to all policyholders while driving A) for up to 14 days. If your car has
anywhere in Ireland in the event of fire, not been recovered after this time,
theft or attempted theft. we will then consider your car lost
by theft
For policyholders with Comprehensive
cover the Emergency Service is also All you have to do is call:
available in the event of an accident.
Republic of Ireland: 01 613 3990
This service does not apply if your car Northern Ireland: 028 90 8910 310
breaks down.
*Replacement car – it is your
The service is available 24 hours a day, responsibility to ensure you meet the
365 days a year. requirements of the hire company. The
courtesy car is for your personal use only
What our Emergency Service covers: and may not be operated by you for the
carriage of passengers for Hire and
• We will tow your car to an aligned Reward.
repairer for repairs
• While you are waiting for your car Terms and conditions apply.
to be repaired, we will give you a
free replacement car* (Class A) for
up to five days
• We will settle directly with our
aligned repairer saving you from
making any payment other than
your policy excess
33Cornmarket Car Insurance Scheme
Consumer Information
Your Insurer How we charge
The underwriter of your insurance is The charge for our services is the
Allianz p.l.c., having its registered office premium (including, where applicable, a
at Allianz House, Elmpark, Merrion Road, government levy). This premium and
Dublin 4. Companies Registration any optional covers are separately set
No. 143108. Vat no out in your schedule/renewal notice.
4887986M. Our contact details are:
telephone: +353 1 6133000,
fax: +353 1 6134444, and Policy Alteration, Additional and
email: info@allianz.ie Return Premiums
Where your policy is altered during any
Regulatory Status period of insurance we will recalculate
your premium. This may result in an
Allianz p.l.c. is regulated by the Central additional premium due to us, or a
return premium due to you. A premium
Bank of Ireland and is subject to the
transaction charge may be applied to all
Central Bank of Ireland’s Consumer
such alterations, as detailed in your
Protection Code and Minimum schedule. We will only charge or refund
Competency Code which offer you provided the total amount, including
protection to consumers. These Codes the Premium Transaction Charge, is
can be found on the Central Bank’s greater than or equal to the amount
website: www.centralbank.ie. detailed in your schedule. Where
applicable, a government levy will be
applied to your premium calculations.
What we do
Alteration to terms and conditions
Allianz p.l.c. is a non-life insurance
undertaking which underwrites In the event of a claim we may advise
personal, commercial, education, you, at the time of your next renewal, of
religious and social insurance products. altered policy terms and conditions
When dealing directly with personal which increase your premium and/or
customers we underwrite general excess, and/or reduce cover.
insurance products on a non-advised
information only basis.
34Cornmarket Car Insurance Scheme
Consumer Information (Continued)
Language & Customer (1) the starting date of cover, or
Communications
(2) the date on which you receive
Your policy and all communications with the full terms and conditions of
you or by you to us will be in English.
your policy.
Withdrawal effectively means that no
Governing law
policy was ever in place, and you may
exercise this right by notice in writing to
You and we may choose the law
us at the address given above, quoting
applicable to this contract. It is hereby
your policy number. Should you exercise
agreed that this contract is governed by
this right we will refund you any part of
Irish Law unless we agree with you
your premium you have paid less an
otherwise in writing. The Irish Courts will
administration charge as detailed in your
have jurisdiction to hear any dispute
schedule. If the cover is motor
other than any dispute which must be
insurance, the premium cannot be
referred to arbitration under the
refunded until the Allianz certificate of
arbitration clause of this policy.
motor insurance and Insurance Disc
have been returned to Allianz. Please
note that the right of withdrawal does
Default
not apply if the insurance policy under
which insurance cover is provided is for
Non-payment of your premium or part
less than 1 month.
thereof (including where you are using
our Direct Debit option) or breach by
you of certain conditions of your policy
Complaints
may lead to your policy being revoked or
cancelled, in accordance with the terms
We aim to deliver the very highest
in that respect set out in your policy.
standards of customer care. If you have
any enquiry or complaint, please contact,
Right of Withdrawal with your policy/quote number and
details: Head of Customer Focus,
You have the right to withdraw from this Allianz plc, Allianz House, Elmpark,
policy, provided you have not made a Merrion Road, Dublin 4,
vehicle write-off claim, within 14 days of Telephone: +353 1 6133000,
the latest of: email: info@allianz.ie
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